A former Mrs. America, charged with lying to authorities when she filed for bankruptcy, is expected to surrender this week, a prosecutor said yesterday.

Jill Scott Chance, 40, crowned in 1991, was indicted Friday in Arizona because she allegedly failed to list more than $100,000 in jewelry and used her maiden name in her 1996 bankruptcy filing. Authorities claim the ruse bailed her out of a $340,000 debt.

Officials said she was married to Phoenix auto-glass tycoon C. Richard Chance at the time. They have since divorced.

Assistant U.S. Attorney Bruce Smith said yesterday there’s a warrant out for her arrest, but he expects her to voluntarily appear before a U.S. magistrate in San Diego. If convicted, she faces 15 years in jail.

The beauty queen has been in trouble before.

After her win in 1991, Chance was sued by the Mrs. America pageant for failing to reveal she was separated from her first husband when she entered the contest. The pageant won a $100,000 judgment.

Later, she was investigated for welfare fraud, sued for illegal imprisonment of her first husband – she was ordered to pay him $465,000 in damages – and taken to court for allegedly reneging on plans to make a pornographic film.

Other pageant winners whose victories have turned sour are:

* Vanessa Williams, Miss America 1984, was forced to relinquish her crown after nude pictures of her appeared in Penthouse magazine.

* Shannon Marketic, Miss USA 1992, who said she was lured to Brunei with the offer of a good job – but was forced to join the sultan’s harem.

* Bess Myerson, Miss America 1945, who was involved in her boyfriend’s messy divorce scandal. In 1980, she was charged with shoplifting.

* Elizabeth Ward Gracen, Miss America 1982, who says she had consensual sex with Bill Clinton, but lied about it during the 1992 presidential campaign to protect him.